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CD ladder strategy calculator
Spread your savings over CDs of different terms and see the interest and when each one matures.
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- Works on any device
About CD ladder strategy calculator
Splits your savings across CDs with different terms, such as 1, 2, 3 and 4 years, and shows the interest and maturity date of each rung. As each CD matures you can reinvest or withdraw, so part of your money is regularly available while still earning longer-term rates.
How to use CD ladder strategy calculator
- Enter the total amount you want to save.
- Choose the CD terms and interest rate for each rung.
- Read the interest earned and the maturity date of each CD.
Why use this tool?
- Private: everything happens in your browser. Nothing you enter is uploaded.
- Free, with no sign-up, no watermark and no limit on how often you use it.
- Works on phones, tablets and computers: Android, iPhone, Windows, Mac and Linux. Nothing to install.
- Free to embed on your own website, with a ready-made code to copy.
- Available in 10 languages.
Also known as
Frequently asked questions
Why build a CD ladder instead of one CD?
It gives you access to cash at regular intervals and lets you reinvest at current rates, while avoiding locking everything into one term and rate.
What do I do when a rung matures?
You can reinvest it in a new CD at the longest term, which keeps the ladder going, or use the cash if you need it. Rates may differ by then.
How many rungs should a ladder have?
There is no fixed number. More rungs give more frequent access to cash, but each deposit is smaller. Many people start with three to five.
Is CD ladder strategy calculator free?
Yes. CD ladder strategy calculator on Toolipedia is free to use, with no sign-up and no watermark.
Is it safe to use?
Yes. Everything is worked out in your browser, and nothing you enter is sent to our server.
Does it work on my phone?
Yes. It works in any modern browser on Android and iPhone, as well as on tablets and computers. There's nothing to install.
Do I need an account?
No. Just open the page and use the tool. There's no sign-up and no email needed.
Can I put CD ladder strategy calculator on my own website?
Yes. Use the Embed on your site button under the tool to copy a short piece of code and paste it into your page. It is free, needs no account, and the tool keeps working inside your page.